How does a VA loan work in Florida?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A VA loan lets eligible veterans, active-duty service members, and some surviving spouses buy with $0 down and no monthly mortgage insurance. It's one of the strongest loan programs available.
You'll need a Certificate of Eligibility and the home must be your primary residence. The VA charges a one-time funding fee (waived for many disabled veterans). With major bases across Florida, we close VA loans constantly and handle the COE for you.
Zero down for veterans
A VA loan lets eligible Florida veterans, active-duty members, and some surviving spouses buy a home with no down payment and no monthly mortgage insurance. It is backed by the Department of Veterans Affairs.
That combination makes it one of the most affordable ways to buy in Florida.
Getting started
You need a Certificate of Eligibility, which we help you obtain, plus qualifying credit and income. The home must be your primary residence.
Florida has a large veteran community, and we serve it proudly. Apply now and we will start your VA loan.